Peoples State Bank of Colfax
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Data as of · sourced from FFIEC call reports. How we update
Peoples State Bank of Colfax is an FDIC-insured commercial bank headquartered in Colfax, IL, established in 1892 (FDIC certificate 10075), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $49.5M, up 9.6% from Q2 2025, the 294th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.74% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10075
- Headquarters
- Colfax, IL
- Established
- 1892
- Total assets, Q2 2026
- $49.5M
- Assets vs Q2 2025
- +9.6%
- Tier 1 leverage ratio, Q2 2026
- 11.74%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071112354
- Latest call report
- Q2 2026, FFIEC 051 · Peoples State Bank of Colfax call report
- Holding company
- PEOPLES FINANCIAL CORPORATION
- Asset rank in state
- 294th of 319 in Illinois
Peoples State Bank of Colfax, based in Colfax, Illinois, reported $50 million in assets at June 30, 2026, up 9.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also grew deposits 10.1% over the year, 4.1 times the median of 2.5% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 2.9% and deposits rose 10.1%. Delinquency has appeared in its $4.4 million commercial and industrial book: 0.89% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Peoples State Bank of Colfax reported a return on assets of 1.30%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Peoples State Bank of Colfax ranks as the 294th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 5.2% to $49.5M, loans rose 5.9% and deposits rose 6.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.9% of total loans, ahead of commercial and industrial loans at 21.9%. Its one office in the FDIC Summary of Deposits is in Colfax, IL. On its Q2 2026 call report, Peoples State Bank of Colfax meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 W Main St, Colfax, IL 61728
- County
- Mclean
- Metro Area
- Bloomington, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1892
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $43.7M
- Allowance for credit losses
- $114K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $46.7M
- Average total loans
- $19.5M
- Average interest-bearing deposits
- $33.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10075
- Fed RSSD
- 33839
- Website
- www.psbofcolfax.com →
- Parent Holding Company
- PEOPLES FINANCIAL CORPORATION (RSSD 2128896)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Peoples State Bank of Colfax reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Peoples State Bank of Colfax's total assets ranged from $39.7M (Q1 2024) to $49.5M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$49.5M total assets against $45.2M; $44.1M total liabilities against $40.1M.
$20.0M net loans and leases against $19.4M; $43.7M total deposits against $39.7M.
$13.3M securities against $14.6M; $15.4M cash and balances due against $10.4M.
$569K total interest income against $519K; $122K total interest expense against $111K.
$447K net interest income against $408K.
$9K total noninterest income against $17K; $259K total noninterest expense against $214K.
$5K provision for credit losses against $0.
$152K net income against $161K.
1.30% return on assets against 1.49%; 4.01% net interest margin against 3.95%.
11.74% tier 1 leverage ratio against 12.09%.
Inside the full Peoples State Bank of Colfax terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.29% (Q4 2024) to 1.75% (Q3 2025) and its net interest margin ran from 3.63% (Q3 2024) to 4.05% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.74% | 1.30% | 0.00% | 0.00% | 4.01% |
| Q1 2026 | 11.26% | 1.34% | 0.00% | 0.00% | 3.91% |
| Q4 2025 | 10.93% | 1.43% | 0.00% | 0.00% | 4.04% |
| Q3 2025 | 11.86% | 1.75% | 0.00% | 0.00% | 4.05% |
| Q2 2025 | 12.09% | 1.49% | 0.00% | 0.00% | 3.95% |
| Q1 2025 | 11.56% | 1.32% | 0.00% | 0.00% | 3.74% |
| Q4 2024 | 10.91% | 1.29% | 0.00% | 0.00% | 3.71% |
| Q3 2024 | 11.75% | 1.38% | 0.00% | 0.00% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples State Bank of Colfax (main office) | Colfax , IL | 61728 | $43.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 346 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peoples State Bank of Colfax
What are Peoples State Bank of Colfax's total assets?
As of the Q2 2026 filing, Peoples State Bank of Colfax reported total assets of $49.5 million in its FFIEC call report.
Where is Peoples State Bank of Colfax headquartered?
It is headquartered in Colfax, IL, United States.
When was Peoples State Bank of Colfax founded?
It was established in 1892, per the FDIC institution directory.
Is Peoples State Bank of Colfax FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10075). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples State Bank of Colfax?
Peoples State Bank of Colfax's primary federal regulator is the FDIC.
How many branches does Peoples State Bank of Colfax operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples State Bank of Colfax's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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